136 Chapel St, Gardner, MA, 01440
About This Home
Country Cottage on Chapel in Chair City - so much to love! Situated on a corner lot near the junction of 140 and 101 with Rt 2 access within minutes, this property fulfills your FIELD OF DREAMS! With almost 600 ft of street frontage on Smith and 6+ acres of LAND, the possibilities seem endless for those exploring sub-dividing, ADU, homesteading, expanding, pool oasis, or your very own football field! This cozy cape allows for single level living with a 1st flr bdrm and bath w/WI tiled shower, hardwood floors, gas fp, DR & LR. Upstairs you'll find two more bedrooms, original built in drawers, walk through closet, hardwood floors, and the cutest windows w/original folding shutters including a mini greenhouse window for those with a green thumb! A private back deck is perfect to enjoy morning coffee or dinner with friends while overlooking your HUGE backyard complete with sheds & greenhouse, carports, fruit trees, garden beds, perennials, and loads of wildlife! OH 5/9 11a-1230p
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Foundation: Concrete Perimeter
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Cape
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Dishwasher,Refrigerator
- Laundry features: In Basement,Washer Hookup
Basement
- Has basement: Yes
- Basement: Full,Interior Entry,Concrete,Unfinished
Bathroom1
- Level: First
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: First
Features
- Central Vacuum
- Flooring: Hardwood
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area above ground: 1,451
Heating & Cooling
- Heating features: Baseboard,Oil,Propane,Wood
- Cooling features: None
Interior Area
- Total structure area: 1,451
- Total interior livable area: 1,451 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 3539928
- Zoning: R1
- Exclusions: Washer/Dryer Negotiable. Birdbath Excluded.
Features
- Patio & porch: Deck - Wood
- Exterior features: Deck - Wood,Rain Gutters,Storage,Fruit Trees,Garden,Stone Wall
- Waterfront features: Lake/Pond,1/2 to 1 Mile To Beach,Beach Ownership(Public)
- Frontage length: 592.00
Lot
- Lot size: 6.74 Acres
- Features: Corner Lot,Wooded,Cleared
Parking
- Total spaces: 11
- Parking features: Attached,Garage Door Opener,Paved Drive,Off Street,Paved,Unpaved
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Has uncovered spaces: Yes
- Uncovered spaces: 10
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Hurricane
- Ice Storm
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Massachusetts Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,160 | $37,920 |
| Home Insurance * | $269 | $3,228 |
| Property Taxes | $739 | $8,868 |
| Electricity | $354 | $4,259 |
| Total | $4,522 | $54,264 |
Income You'd Need if You Spent...
Massachusetts FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-29 | Listed for sale | $799,000 |
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